Transparent Pricing
Honest Pricing. No Hidden Fees.
Merchant account rates depend on your industry, processing history, and monthly volume. Your actual rates are determined during underwriting review.
Important: All rates shown are indicative ranges. Final rates, fees, and reserve requirements are determined by the acquiring bank during underwriting review and are not guaranteed. We will always present you with the full terms before you sign anything.
Account Types & Rate Ranges
No setup fees, no vague estimates. We quote your rate after reviewing your business before you sign anything.
Standard
For lower-risk businesses
Processing Rate
1.5% – 2.5%
Per Transaction
$0.10 – $0.25
Monthly Fee
$15 – $25
- Domestic merchant account
- Visa, Mastercard, Amex, Discover
- Payment gateway included
- Next-day or 2-day settlement
- Basic fraud screening
- Email support
For businesses in standard-risk categories with clean processing history.
Apply NowHigh-Risk
For high-risk industries
Processing Rate
2.5% – 4.5%
Per Transaction
$0.20 – $0.40
Monthly Fee
$25 – $75
- High-risk merchant account
- Domestic or offshore options
- Payment gateway included
- Chargeback monitoring & alerts
- Advanced fraud screening
- Dedicated account manager
- Rolling reserve (if applicable)
- Priority support
Rates vary based on industry, processing history, and monthly volume. Final rates determined at underwriting.
Apply NowEnterprise
For high-volume merchants
Processing Rate
Custom
Per Transaction
Negotiated
Monthly Fee
Custom
- Custom rate negotiation
- Multiple merchant accounts
- Dedicated banking relationships
- Custom gateway integration
- Full chargeback management
- Dedicated account team
- SLA-backed support
- Quarterly rate reviews
For merchants processing $500K+ per month. Contact us for a custom quote.
Apply NowUnderstanding All Fees
We believe in full transparency. Here's a breakdown of every fee type you may encounter and what to expect.
| Fee Type | Typical Range |
|---|---|
| Application Fee | None |
| Setup Fee | $0 – $250 |
| Monthly Minimum | $25 – $50 |
| Chargeback Fee | $25 – $35 per chargeback |
| Rolling Reserve | 5% – 10% for 180 days |
| Early Termination | Varies by bank |
Common Questions
Pricing FAQ
Answers to the most common questions about merchant account pricing and fees.
Get Your Actual Rate Quote
The only way to know your exact rates is to apply. Our specialists will review your business and provide a transparent quote with no obligation.